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Vermont · Risk Readiness
What's actually likely where you live.
Before the emergency — maps, tools, and the honest picture of what Vermont throws at different parts of the state.
See VT hazardsVT hazard profile
Primary hazards. Ranked.
Vermont's Green Mountains compress rainfall into narrow river valleys that flood catastrophically. Tropical Storm Irene (August 2011) killed 6 Vermonters, destroyed 500+ miles of road, and cut off dozens of communities entirely. The July 2023 floods caused record damage to Montpelier (Vermont's capital flooded) and Barre. Flash flooding in mountain hollows can occur in under an hour with no warning. Vermont's mountains receive some of the highest snowfall totals in the Northeast. Stowe, Jay Peak, and Burke Mountain regularly receive 250+ inches annually. Major nor'easters close I-89, I-91, and Route 2 multiple times per winter. The February 2023 blizzard dropped 30+ inches across northern Vermont in 48 hours. Mountain passes can be impassable for 24+ hours after major storms. Vermont's heavily forested landscape makes ice storms particularly destructive — ice accumulation on trees takes down power lines across vast rural areas. The 1998 ice storm was the worst in Vermont history, knocking out power across most of the state for up to three weeks in January. Major ice events hit Vermont several times per decade.
Flooding
Flash floods, river flooding, and coastal surge affect low-lying areas and river corridors.
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Winter ice & snow storms
Ice accumulation causes prolonged power outages and road closures across the state.
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Severe thunderstorms
Damaging winds, hail, and lightning — the most frequent hazard in most US states.
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Landslides
Steep terrain and heavy precipitation trigger debris flows and slope failures.
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Official tools
Look up your address. Know your risk.
FEMA Flood Zone Lookup
Enter your address to see your flood zone designation and insurance requirements.
Source: FEMA
USGS Earthquake Map
Real-time earthquake activity and seismic hazard maps for your region.
Source: USGS
Wildfire Risk Score
Your property's wildfire exposure score based on vegetation, terrain, and proximity to wildland.
Source: USFS
River Gauges
Real-time river levels and flood stage by county.
Source: USGS WaterWatch
Drought Monitor
Weekly drought conditions by county.
Source: US Drought Monitor
Private Well Resources
Water quality guidance for households on private wells.
Source: EPA
Insurance gaps
What your homeowner's policy doesn't cover.
Standard homeowner's policies in Vermont exclude flood damage. Flood insurance through the NFIP has a 30-day waiting period — it cannot be purchased when a storm is forecast. Check your declarations page annually to confirm your coverage limits and deductibles.
Not in your standard policy
Flood damage — requires NFIP or private flood policy
Earthquake damage — requires separate endorsement
Sewer & drain backup — requires endorsement ($50–$100/yr)
Landslide / mudflow — generally excluded
Next steps
Where do you want to go next?
During an emergency
Find alerts, contacts, and shelters.
NC emergency contacts, alert signups, and real-time information.
Local EmergencyGet prepared
Run through the VT checklist.
Step-by-step actions based on the hazards that apply to Vermont.
VT Checklists